Did you know, insurance companies don’t just come up with arbitrary numbers for your insurance premiums. Nor do they offer everyone the same insurance policy. Nope. Much like financial lenders, USDA loans, insurance companies assess your risk (as a client) based on your insurance score.
Never heard of insurance scores? You’re not alone. You see, most people know that when they get a ticket or have an accident, their insurance rates are liable to go up. But did you know that those incidents will affect your insurance score as well?
So what is an insurance score? Well, no one has really figured out how the score is determined. However, insurance scores are likely affected by a few key factors including:
-Accidents
-Age
-Existing Credit Issues
-Number of Insurance Score Inquiries
At Scottsdale Insurance we do everything we can to help you get the best possible auto insurance rates. But you can sure help that process. How? Well, you can make sure your credit rates remain high. Good credit is an indicator to both lenders and insurers alike that you are someone they are willing to take a chance on.
Getting a car and getting insurance in Scottsdale, AZ is not just a simple two step process. There is a lot more involved than just asking for insurance and getting it. If you’re looking to save money and get great policies, then you need to be paying attention to everything from financial credit scores to your driving habits.
If you’re looking for new insurance or just want to check and make sure you have the best policies in Scottsdale and Phoenix at the best prices, be sure to give us a call.